Once you have that piece down, it’s all about how to consistently get in front of those sellers.

No heavy rehabs.Use private money or short-term capital to acquire them.Structure that private money to be paid off within about 5 years - smaller loan, faster payback.Then sell the property on terms using seller financing with a 30-year note to a family who wants to own, not rent.The buyer makes fixed monthly payments for 30 years.After the private money is paid off in year five, the income continues for another 25 years - steady, predictable, and debt-free.In simple terms:You’re financing like a car loan but selling like a mortgage.The result is a portfolio of free-and-clear homes that still send monthly payments for decades, without renters, maintenance calls, or refinance risk.Why it works:Shorter debt horizon = faster path to financial freedom.Selling as-is means no rehab costs or turnovers.Owner-occupants take care of the property.Payments are consistent and long-term.It’s not about leverage.

Stay consistent and keep networking with investors.

When I come across these potential investors, I share examples of how consistent investing outperforms the short term gains people chase through gambling.

Looking to either partner ($$$) or simply find a trusted, consistent source of contractors in either city that can assist with my fix and hold needs.

@Brandon LeeI would disagree that we see more involved in note investing recently as we have consistently see people come in and out of the space over the last 15 years.  

Building wealth is, in theory, pretty simple — the real challenge lies in diligence and consistency over time. 

Any hands-on Chicago multifamily agents who consistently win bidding wars for 2-4 unit house hacks?

It took 16 years, 3 live in flips, 2 sold businesses, living below our means for a long time, consistently investing in real estate and index funds, moving to a lower cost of living area, and paying off our primary residence. 

For any vacation or rental property, focusing on areas with strong demand, good accessibility, and neighborhoods that attract consistent tenants or guests is key.